Company paidAn affordable policy for the whole team
Blanket pricingNo individual enrollment
24/7 assistanceOne call starts help worldwide
When an employee gets hurt or sick on a business trip, the questions come fast. Who pays the hospital in Lisbon? How do we get her home? What if it happened on the weekend she added for sightseeing? Most companies assume Workers Compensation and their health plan have it handled. Often, they do not.
Business Travel Accident (BTA) insurance is an affordable, company paid policy that fills those gaps. It protects employees on the road, gives leadership a clear plan when something goes wrong, and shows your team you have their back.
Where Workers Compensation falls short
Workers Compensation is essential, but it was built for the workplace at home, not for an employee in a foreign hospital at 2 a.m. Here is where companies are most often exposed.
The gap
How BTA helps
Illness abroad that is not work related
Workers Compensation generally responds only to injury or illness arising out of the job. A case of food poisoning or the flu overseas usually falls outside it. BTA can cover sickness medical expenses while traveling outside the country.
Foreign hospitals that want payment up front
Overseas providers rarely bill a U.S. Workers Compensation carrier. BTA assistance services can arrange payment directly with the facility.
Emergency medical evacuation
Moving a patient to a qualified hospital or back home by air ambulance can cost tens of thousands of dollars or more. Workers Compensation and many health plans offer little or no coverage for it.
Personal time on a business trip
An injury on a personal side trip or an extra vacation day may not be considered work related. BTA can extend coverage to personal days added to a covered trip.
People who are not employees
Spouses, dependents, directors, independent contractors, and invited guests are generally not covered by your Workers Compensation policy. BTA can be written to include them.
A benefit for the family
Workers Compensation death benefits are set by state law and paid over time. BTA pays a lump sum accidental death and dismemberment benefit in addition to any other coverage.
Bleisure travel: business and pleasure, both covered
More employees are turning business trips into a chance to see the world, arriving a few days early or staying through the weekend, and often bringing a spouse or family. BTA plans can extend coverage to personal days taken immediately before and after a covered business trip, so your people are protected from the moment they leave home until they return, not just while they are in meetings. It is a meaningful perk that costs the company very little.
Business travel is broader than you think
Business travel does not require a plane ticket. It is any time an employee steps outside your office on company business, whether that is a client meeting across town, a drive to a job site, or a walk across the street to mail a letter. A better way to think of it: Off Premises Employee Accident Insurance.
Need more? On premises accident coverage is also available, along with high level 24/7/365 coverage for key employees, on or off the job.
Core BTA benefits
Emergency Evacuation
Transport to an adequate medical facility, or home, when local care falls short. Plans typically cover repatriation of remains, and many add security evacuation for unrest or natural disasters.
Out of Country Accident and Sickness Medical
Covers medical bills from an accident or sudden illness while outside the home country, the exposure domestic health plans and Workers Compensation most often leave open.
In Country Accident Medical Expense
Helps pay medical bills from a covered accident on domestic business travel, easing the deductibles and copays other coverage leaves behind.
Accidental Death and Dismemberment
A lump sum benefit paid to the employee or family after a covered accident on company business, on top of Workers Compensation, life insurance, or any other coverage.
Plus: Travel inconvenience coverages, such as lost baggage and baggage delay, are often included as well. Optional: War risk coverage is available for companies performing sensitive work in high risk countries.
Meeting your duty of care
Employers have a legal and moral responsibility to protect employees who travel for work. Experts on travel risk management agree: have a plan before something happens. BTA puts it in action.
Prepare. Everyone knows who to call.
Respond. One call starts help worldwide.
Protect. Less financial exposure for all.
Retain. A benefit that attracts talent.
24/7 travel assistance services
Insurance pays the bills. Assistance gets your employee the right care, fast. Services typically include:
24/7 multilingual assistance hotline
Referrals to doctors, hospitals, and dentists abroad
Guarantee of payment to medical facilities
Medical monitoring and case management
Replacement of lost prescriptions and medical devices
Help replacing lost passports and travel documents
Emergency cash transfers and travel arrangements
Legal referrals and interpreter services
Travel security alerts and destination intelligence
Coordination of evacuation and return home
Common questions
What is business travel accident insurance?
Business Travel Accident (BTA) insurance is an affordable, company paid policy that protects employees while they travel on company business. It fills gaps that Workers Compensation and health plans often leave, including medical care abroad, emergency evacuation, and a lump sum accident benefit.
Does Workers Compensation already cover business trips?
Only in part. Workers Compensation generally responds only to injury or illness arising out of the job. It usually does not cover an illness abroad that is not work related, foreign hospitals that want payment up front, or emergency medical evacuation.
Does it cover personal days added to a business trip?
It can. BTA plans can extend coverage to personal days taken immediately before and after a covered business trip, so employees are protected from the moment they leave home until they return.
Does business travel have to involve a flight?
No. Business travel is any time an employee steps outside your office on company business, whether that is a client meeting across town or a drive to a job site. A better way to think of it is Off Premises Employee Accident Insurance.
Do employees have to enroll individually?
No. Plans use blanket pricing with no individual enrollment, and they are tailored to how and where your people travel.
Let's build the right plan for your team.
Blanket pricing, no individual enrollment, and tailored to how and where your people travel.
Plans are offered by Landsman Insurance Services, LLC and administered by battleface Insurance Services LLC, 800 N. High Street, Columbus, OH 43215, National Producer Number 18731960 (FL License number L107363, CA License number 0M75381).
This material is a general description of coverage for marketing purposes only and is not a contract of insurance. Coverage, benefits, limits, and premium are illustrative only and subject to underwriting and carrier approval. All coverage is subject to the terms, conditions, limitations, and exclusions of the policy actually issued. Benefits and availability may vary by state, and not all benefits are available on every plan. Travel assistance services are not insurance and are provided by a third party assistance provider.
Last updated November 13, 2026
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Landsman Insurance Services, LLC
Any person who, knowingly or with intent to defraud or to facilitate a fraud against any insurance company or other person, submits an application or files a claim for insurance containing false, deceptive or misleading information may be guilty of insurance fraud.
Notice to Alabama Applicants
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution or confinement in prison, or any combination thereof.
Notice to Arkansas, Louisiana and New Mexico Applicants
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It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an Insurance Company for the purpose of defrauding or attempting to defraud the Company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any Insurance Company or agent of an Insurance Company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
Notice to District of Columbia Applicants
Warning: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
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Any person who knowingly and with the intent to defraud any Insurance Company or other person files an application for insurance containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.
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Landsman Insurance Services, LLC Effective date: May 22, 2025
1. Introduction
Landsman Insurance Services, LLC ("Company," "we," "our," or "us") is committed to protecting your privacy and keeping your personal information secure. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our agency, including through our website, services, and communications.
2. Information we collect
We collect personal information necessary to provide insurance products and services. This may include, but is not limited to:
Name, address, phone number, and email address
Date of birth, Social Security number, and government issued identification numbers
Insurance policy details, claims history, and payment information
Health information when required for underwriting or claims purposes
Employment and financial information when necessary for certain coverage types
3. How we use your information
We use your information for purposes including:
Processing insurance applications and providing quotes
Underwriting, issuing, and servicing policies
Processing claims and benefits
Complying with legal and regulatory requirements
Communicating with you about policies, updates, and offers
Preventing fraud and unauthorized transactions
4. Information sharing and disclosure
We do not sell or rent your personal information. We may share your information with:
Insurance carriers, brokers, reinsurers, and third party administrators to facilitate policy issuance and claims processing
Service providers who assist in business operations, such as IT, payment processing, marketing, and compliance
Legal and regulatory authorities when required by law
Other third parties with your consent or as necessary to protect our rights and assets
Mobile information will not be shared, sold, or conveyed to third parties for marketing or promotional purposes.
5. Data security
We use reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, secure servers, and access controls. However, no security system is entirely foolproof, and we cannot guarantee absolute security.
6. Retention of information
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes.
7. Your privacy rights
Depending on your location, you may have rights regarding your personal information, including:
Accessing the data we hold about you
Requesting corrections or updates to inaccurate information
Requesting deletion of your data, subject to legal or contractual obligations
Opting out of marketing communications
To exercise these rights, please contact us using the information below. Residents of California, Connecticut, and Virginia can also see Do Not Sell My Personal Information.
8. Third party links
Our website may contain links to third party sites, including quote and enrollment tools operated by insurers and administrators. We are not responsible for the privacy practices of these sites and encourage you to review their policies before providing personal information.
9. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website with the updated effective date. We encourage you to review this policy periodically.
10. Contact us
If you have any questions about this Privacy Policy or your personal information, please contact us at:
